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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $89,046 | $65,364+36.2% | $92,909-4.2% | $72,975+22.0% |
| Participation rate | 56.4% | 68.3%-11.9pp | 76.0%-19.6pp | 69.5%-13.1pp |
| Annual return | 21.92% | 42.11%-20.2pp | 109.44%-87.5pp | 81.01%-59.1pp |
| Employer contribution / active EE | $1,333 | $2,594-48.6% | $3,653-63.5% | $2,440-45.4% |
| Participant deferral / active EE | $1,905 | $3,128-39.1% | $4,238-55.0% | $3,608-47.2% |
| Admin fee / account holder | $3,482 | $4,251-18.1% | $5,795-39.9% | $5,124-32.0% |